You might not be too happy to find out what rules a group health plan can impose.
We enlisted two industry experts to help us answer some of the most common questions from Insure.com readers regarding health plans at work: Arlene Lieberman is a principal in the employee benefits practice at Barney & Barney in San Diego, and Teagan Storck is a benefits administrator at Argus Benefits in Atlanta.
Can I get out of my employer's health plan if I already enrolled for the next year?
Enrolling for the next year locks you in unless you have an "event" that qualifies you to get out.
"You would be allowed to cancel coverage if you experience a change in status or qualifying event," Storck says. A change in status would be switching from permanent employment to temporary, full-time to part-time, or any other instance that makes you ineligible for coverage. A qualifying life event includes marriage, divorce, birth or adoption of a child, change in your spouse's employment or other event. Here's more from the Department of Labor.Notify your human resources department within 30 days of the event and be prepared to provide proper documentation such as a marriage license (followed by the certificate when it arrives), a copy of a new health insurance card showing the effective date or a screenshot of the enrollment.